Stearns Bank CD Rates — October 2026
As of October 22, 2026, Stearns Bank's highest tracked CD rate is 3.94% APY on a 6-month CD ($500 minimum). That is 2.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.66% to 3.94% APY.
Tracking began .
Stearns Bank CD rates
Standard CD terms only, with a $500 minimum opening deposit. The 3- and 6-month CDs accept additional deposits during the term and pay interest at maturity; no penalty may be imposed for early withdrawal on those terms. Stearns Salaam profit-sharing CDs are excluded.
| Term | Product | APY |
|---|---|---|
| 3 months | Standard CD | 3.90%Top 9% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Standard CD | 3.94%Top 25% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Standard CD | 3.85%Top 39% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Standard CD | 3.66%Top 50% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Stearns Bank's best CD rates by term?
Stearns Bank's best rate is 3.94% APY on 6 months, verified October 22, 2026.
- 3 mo3.90%
- 6 mo3.94%
- 12 mo3.85%
- 18 mo3.66%
How much interest could a Stearns Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$195.64 interest · $10,195.64 at maturity on $10,000.00.
3.94% APY · 6 months · Standard CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $47.923.90% APY · Standard CD · Standard | $95.843.90% APY · Standard CD · Standard | $239.603.90% APY · Standard CD · Standard | $479.213.90% APY · Standard CD · Standard |
| 6 months | $97.823.94% APY · Standard CD · Standard | $195.643.94% APY · Standard CD · Standard | $489.093.94% APY · Standard CD · Standard | $978.183.94% APY · Standard CD · Standard |
| 12 months | $192.503.85% APY · Standard CD · Standard | $385.003.85% APY · Standard CD · Standard | $962.503.85% APY · Standard CD · Standard | $1,925.003.85% APY · Standard CD · Standard |
| 18 months | $277.263.66% APY · Standard CD · Standard | $554.513.66% APY · Standard CD · Standard | $1,386.283.66% APY · Standard CD · Standard | $2,772.563.66% APY · Standard CD · Standard |
How Stearns Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 55 of 214 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Stearns Bank (this institution)Standard CD · Standard | 6 months | $500 | Coverage: AZ, FL, MN | 3.94% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.20% | October 22, 2026 |
| Wings Credit Union (formerly Ent)My Savings Builder Certificate · Special | 6 months | $25 | Coverage: CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 |
| TrustCo BankCertificate of Deposit Special · Promotional | 6 months | $500 | Coverage: FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Stearns Bank on October 22, 2026.
About Stearns Bank
- Legal name
- Stearns Bank National Association
- Regulator ID
- FDIC 10988
- Headquarters
- Saint Cloud, MN
- Available in
- AZ, FL, MN
- Total assets
- $3.3 billion
- Also known as
- Website
- www.stearnsbank.com
Source: rates read from https://www.stearnsbank.com/personal/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Stearns Bank?
Among the rates we track, 3.94% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a Stearns Bank CD?
The lowest minimum we found is $500.
How does Stearns Bank's best CD rate compare with Treasury yields?
3.94% APY is −0.46% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.94% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Stearns Bank CDs insured?
Stearns Bank is an FDIC-insured bank (FDIC 10988). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Stearns Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Stearns Bank's website and may change at any time. Confirm terms, minimums and eligibility with Stearns Bank before opening an account. This page is not financial advice.